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Mortgage Company
Apply For A Mortgage Loan
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maryland_mortgage_refinance Why Mortgage Refinance
Mortgage Loan Programs
Imperfect Credit
Debt Consolidation
 
Debt Consolidation
Debt To Income Ratio?
Cash Loan
Mortgage Loan Process
FAQ's
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Our Maryland, Florida & Virginiamortgage programs include a variety of financing options and competitive interest rates
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We specialize in helping homeowners repair their credit and consolidate their debt.
Which loan is right for me?
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1-3 Years
3/1 ARM, 1 year ARM or 6 month ARM
3-5 Years
 5/1 ARM
5-7 Years
 7/1 ARM
7-10 Years
 10/1 ARM, 30 year fixed or 15 year fixed
10+ Years
 30 year fixed or 15 year fixed
Loan Programs Advantages Disadvantages
Fixed Rate Mortgages
30 year fixed loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Interest rate does not change
15 year fixed Monthly payments are fixed over the life of the loan maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies Protected if rates go up
maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies Can refinance if rates go down
maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies Higher interest rate
maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies Higher mortgage payments
maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies Rate does not drop if interest rates improve
Adjustable Rate Mortgages
10/1 ARM loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Lower payment over a shorter period of time
7/1 ARM loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Rates and payments may go down if rates improve
3/1 ARM loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender May qualify for higher loan amounts
1 year ARM loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender More risk
6 month ARM loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Payments may change over time
1 month ARM
Lower initial monthly
payment 		loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Potential for high payments if rates go up
Balloon Mortgages
7 year
 loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Lower payment over a shorter period of time
5 year Lower initial monthly payment loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Many balloon mortgages offer the option to convert to a new loan after the initial term.
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Risk of rates being higher at the end of the initial fixed period
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Risk of foreclosure if you cannot make balloon payment or if you cannot refinance or if you cannot exercise the conversion option
First Time Buyer Programs
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Lower down payment
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Easier to qualify
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Sometimes you may get lower rate
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender May be subject to income and property value limitations
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Some programs which have government subsidies may have a recapture tax if you sell the house too early.
Stated Income Programs
  maryland_mortgage_company_mortgage_companies_maryland_refinance Don't need to verify income
  maryland_mortgage_company_mortgage_companies_maryland_refinance Faster approval
  maryland_mortgage_company_mortgage_companies_maryland_refinance Higher rates
  maryland_mortgage_company_mortgage_companies_maryland_refinance Higher down payment
No point, No fee Programs
  maryland_mortgage_company_mortgage_companies_maryland_refinance No closing costs
  maryland_mortgage_company_mortgage_companies_maryland_refinance Less money required to close
  maryland_mortgage_company_mortgage_companies_maryland_refinance Higher rates
  maryland_mortgage_company_mortgage_companies_maryland_refinance Higher payments
Imperfect Credit Programs
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Potential for reestablishing credit if you pay your mortgage on time.
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender When used for debt consolidation, you may be able to reduce your monthly debt payment
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Higher rates
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Terms may not be as favorable
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Harder to get long term fixed loans
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Loans may have prepayment penalties
Home Equity Line of Credit
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender You only borrow what you need
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Pay interest only on what you borrow
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Flexible access to funds
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Interest may be tax deductible
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Rates can change. The maximum interest rate is normally high.
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Payments can change
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Harder to refinance your first mortgage
Home Equity Fixed Loan
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Fixed payments
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Interest may be tax deductible
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Higher interest rates than on 1st mortgages
  loans_lenders_mortgage_loans_debt_consolidation_cash_loans_home_equity_Atlantic_lender Harder to refinance your first mortgage
Besides our standard loan programs, we also have a large number of unique programs to serve your needs:
 
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 Purchase a house with 0 down
 
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 Piggyback loans 80-10-10 or 80-15-5. No PMI payments even with 5% or 10% down.
 
maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies
 Debt consolidation programs
 
maryland_mortgage_companies_maryland_refinance_maryland_mortgage_companies
 Home Improvement loans
   
Qualify even if you may have been turned down before!
 
Home Apply Now Mortgage FAQ Contact Us
 
A Maryland, Florida & Virginia Mortgage Company
Specialiazing in Personal Home Loans, Debt Consolidation & Refinance
 
1st Atlantic Mortgage, LLC
Toll Free: (877)580-2006
info@atlanticlender.com